HARWICH FIRE ASSOCIATION INC (EIN 042579990) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1956

Legal Domicile

Principal Officer

BRUCE FYOUNG JR

Phone

5084307547

Tax Period

2025-01-01 to 2025-12-31

HARWICH FIRE ASSOCIATION INC, founded in 1956, is a small nonprofit in the Education sector that reported $703K in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $545K, a strong 77% operating margin.

Mission

CHARITABLE, EDUCATIONAL & SUPPORT TO THE MEMBERS OF THE HARWICH MASSACHUSETTS 02645 FIRE & RESCUE DEPARTMENT.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $498,266

Program Service Revenue $4,011

Investment Income $26,347

Other Revenue $174,073

TOTAL REVENUE $702,697

Expense Breakdown

Grants Paid $26,088

Salaries & Benefits $3,750

Fundraising Expenses $0

Program Expenses $158,117

Other Expenses $128,279

TOTAL EXPENSES $158,117

Year-over-Year Comparison

	2025	2024	Change
Revenue	$702,697	$595,129	+0.2%
Expenses	$158,117	$145,432	+0.1%
Net Income	$544,580	$449,697	+0.2%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✗ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$3,750

Total Directors

$3,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTIANNA BROWN	TREASURER	20.00	Officer Director	$3,750	$0	$3,750
BRUCE F YOUNG JR	PRESIDENT	20.00	Officer Director	$0	$0	$0
GLEN HAWTHORNE	DIRECTOR	5.00	Officer Director	$0	$0	$0
BRAD WILLIS	DIRECTOR	5.00	Director	$0	$0	$0
SCOTT TYLDESLEY	DIRECTOR	5.00	Director	$0	$0	$0
IRIS MCINALLY	DIRECTOR	5.00	Director	$0	$0	$0
JOSHUA FORD	DIRECTOR	5.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$702,697	$158,117	$1,918,190	$544,580
2024	$595,129	$145,432	$1,301,955	$449,697
2023	$481,238	$126,726	$850,378	$354,512
2022	$222,160	$88,873	$486,592	$133,287
2021	$95,995	$76,731	$401,706	$19,264
2020	$77,203	$69,462	$366,136	$7,741
2019	$78,106	$106,374	$351,016	$-28,268

HARWICH FIRE ASSOCIATION INC